अम्रिकामा के हो एस्तो? जति काम गरेपनि पैसा सबै स्वाहा| घरभाडा खान बिजुली को बिल हित को बिल फोन को बिल केवल र इन्टरनेट को बिल कलेज को बिल अनि एक दुइ चोटी बारको भ्रमण अनि सबै पैसा च्वाट | हातमा लाग्यो सुन्ना 
 
होइन प्रभो साझाबासिहरु संग त्येस्तो केहि त्रिक छैन भने पैसा अलि बचाउने उपाए

   https://www.youtube.com/watch?v=JqBqH-0DaPM

Here are a few tips on how to save money without defrauding anyone:

Grocery:
If you have room-mates, do separate groceries. If possible, buy grocery items your room-mate does not like to consume.
Eat nutritious, quick, and cheap home-made meals.

Money:
Do not lend any money to anyone. That's not your job- it's the neighborhood bank or credit card company's job. Tell him/her you are living from paycheck to paycheck.

Entertainment:
Watch free movies on youtube at public libraries (using a head-phone) and rent for free from the library. You do not need home internet connection if you plan your schedule well. Facebook is a pure waste of time anyway and so is sa-jha dot com for the most part. LOL!

Phone calls
Do not call home too often. Let them call you in turn.

Utilities
No one in your household stays up late when possible.

Housing:
Live in a safe, clean, but affordable housing that does not require you to commute too much.

Drinks:
If you ever feel the urge for soda/beer/alcohol/juice, run to your refrigerator and grab your (bpa-free) water-bottle, breath, and rethink your desire. Carry that water-bottle to anywhere you go (just like Sting takes his accent everywhere he goes).

Phone & Dataplans
Get only what you truly needor will actually use. After all it is a contract to pay whether you use or not.

Women and dating :
Go for ones only worth your investment and time-off from work. Instead of buying your dates expensive dinners and gifts, you might be better off investing the same money to improve your attitude, mannerism, clothes to impress -- difference being even if it turns out to be a failed date, you still have your skills and materials you can use on your next date. Go out with women who are genuinely attracted to/interested in you and be reasonably generous once she becomes a bonafide girlfriend/wife/companion etc.

Clothes:
To look sharp, alert, and healthy, you need to take care your health and body instead of grabbing the latest offerings from Banana Republic or Saks. Go for comfortable clothes with classic looks when they are marked down to a bargain.

Vehicle:
Unless it's a necessity, you do not need one. However, get a driver's license. You can utlize some weekend deals to getaway to places you always wanted to. Some of you might have gone through a phase when it seemed like you bought a car just to provide free ride to some newcomers.

Friends/Companions/"Sangat":
Hang out with people who are neither spend-thrifts nor free-loaders. Now go find a companion for yourself who agrees with all of the tips laid out above.

Bottom-line: Do not skimp on investments that hold promise to signficantly leverage your future earning power.

This is an interesting thread for. I am working for last 5 yrs, making between 60-85 k and still have 10-15k in depth. I don't do anything fancy. Is it my time to see financial advisor?

Yo kura chai malai ni janna man cha hai

 याकू : अध्यारोमा झटारो हान्ने काम गर्नु भएन ? आय संग खर्चको तामेली आफैले गर्नुस : गीतमैजवाफ़दिऊ ब्रो ले सबैलाई समेट्ने गरि सल्लाह कोर्नु भएको छ , आफै बिचार गर्नुस का का अनावस्यक चुहावट भएको छ.|  
विज्ञापनमा सेल भन्ना साथ क्रेडिट कार्ड घोट्न पछाडी नपर्ने बानि छ कि? टाऊको दुखाइ, तर औसधि भने नईटामा लगाई होला खालि आम्दानि को लेखा हेरी सल्लाह दिदा | 

yeah, thats true, I've now gadgets which I bought out of excitement, which I don't even use. Such a waste of money. Look out for those enticing sales, if possible avoid it.

 BT ब्रो ले साकार्नु भयो : बिनासित्ती प्लास्टिक घोटेको कुरा | 
एसो बिचार गर्दै छु घरको फोन काटेर VOIP फोन राख्ने - जो व्यापारिक कलको लागि मात्रै प्रयोग गरिन्छ | इन्टरनेट २४/७ हुँदा Magic Jack नै किन नराख्ने ? अनि जता गयो तेती बोक्दै हिंड्यो गर्न पनि सजिलो अनि यी इन्टरनेट प्रोभाइदर् हरु संग मोल मलाइ गर्न पनि सजिलो हुने | अहिले त्यो COMCAST ले २० डलर प्रति मैना १ बर्सको लागि दिन्छु भन्छ , सर्न पनि सजिलो |  Keep surfing for low internet provider or I have heard many people are sharing  wifi with thier neighbour ( paying little money)

I always save a decent amount of money. Here's what I do

1) Shop for clothes online or at Kohl's they give you 30 pc discount plus 10 dollars for every 50 you spend. Plus its cheap, its not as fancy as Macy's but its good enough.
2) DON'T buy a new car, the worst financial decision you can take is to buy a new car and see its value plummet by 8000 dollars in the first year alone.

3) Hunt for mileage plus credit cards, I've taken two vacations this year without spending a dime on flight tickets.

4) Quit smoking, drinking soda, coffee and junk snacks. I used to spend about 3-5 dollars a day on these things without knowing. These things will cost you 1500 to 2000 dollars a year.

5) Buy only the amount of food you need. Take vitamin supplements.

6) Live close to work. Buy a space heater. Turn of all electrical connections before going to bed

H

How do you save money by taking vitamin supplements . They actually cost money and are likely unnecessary if you eat a regular diet.

How to save money is like asking how to loose weight. The answer is simple in general but needs to be applied on an individual basis. How much you make minus how much you spend is saved. So either you need to make more money or spend less. Spending less means making infividual effort and choices for it.

 It also depends how much money you send to Nepal. Most of us send money to our family no matter what, so even if you don't have much saving in the US, your family probably has good saving/investment in Nepal (in your name!).

Yuvaraj sathi, vitamin supplements cost about 6 bucks for a two month supply. They help us replenish our poor Nepali diet, without having to buy a gamut of food products everytime you go to the grocery store.

I disagree about need for vitamins. But as you said it may not cost much so...

Agree with Yuvarj: No need to substitute food from Vitamins. If you manage and eat well that will be enough.

Await a minute : If you watch those  suppliments advertisement then yuou will think that your body needs all those advertised products.  At the end you  my end taking 5-6 differnet pills a day as you convienced by the advertisements.

खादै नखाने खाली हग्न्ने मात्र अनि पैसा सेव हुन्छ !

Hagnu ni kina paryo. Jhan hagnu na Gaye paisa matra haina energy ni save.

Sathi, I'm not talking about replacing food with vitamins. That would be fool hardy.

What I'm proposing is to take vitamins along with your food because we often don't have time/skill/money to prepare a balanced meal every time. Mine and most single guys' meal consists of masu bhat half the time, thats just protein and carbs. Vitamins just help you get your energy levels up without overdosing on energy drinks and caffeine.

ma  pani paila paila testai testai nai soch the kasari paisa bachaone bhanne barema ra paisa kharcha garda dus choti sochera garthe . its hard to save money that's fore sure like paying for rent , mortgage , grocery , alcohol and beer, bus or car expenses ,  smoke for smokers , clothes and fashion ,  actually i will make table chart

EXPENSES                                          PRICES IN DOLLAR             NORMAL PERSON EXPENSES        RICH PERSON EXPENSES
1. rent                                                     400-2000                                    400                                                               2000
2. grocery                                               400-2000                                    350                                                               2000
3. mortgage                                           800-2000                                    800                                                                2000
4. alcohol and beer                              50-2000                                       35                                                                  2000
5. bus and car expenses                    100-2000                                     100                                                               2000
6. smoke for smokers                          100-2000                                     20                                                                 2000
7. clothes and fashion                          100-2000                                     30                                                                 2000
8. hydro and heat                                    200-2000                                     50                                                                2000
9. condominium                                     300-2000                                      100                                                              2000
10. medical and aaushadi                    100-2500                                       40                                                              2000
11.  misceleneous expenses                0-2500                                           30                                                             2000

Aba koi   manche haru le thorai kharcha garera gareeb low class manche jasto kharcha garera baschan ani koi pura khatra dhaney manche jasto tanna paisa odaera basna ruchaochan tyo teneharu ko apasi mamala ho tara jasari teneharu basepani jaba mann ma shanti huncha tyo manche sukhi huncha sukhi hunu manche ko lagey ekdamai important kura ho . aba herom
when i calculated normal person expenses in total it came to 1955 which is still shit load of money . mero bichar dukha garera nakhai nakhai basno bhanda ta marne gari khane mooz garne dui din ko zindagani ho ananda sangha basne garda ramro hola personnel opinion

INb: bro reached closed to  final phase of living in us and  now started following चाणक्य नीति : ऋणम कृत्वा सुखम जिबेत , यावत जिबम सुखम जिबेत |

इन्टेलिजेन्ट गाइको अनुसार रिच मान्छेले महिनामा $ २२,००० खर्च गर्दा रहेछन| त्येस्ता नेपाली हरु कति पो रहेछन होला

My theory on saving is that you have to make money to really save money. After you make money then ideally you want to try to live within 50% of your earnings and save atleast 50%. I try to live within 30% of my earnings.